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Travel insurance cover for existing medical conditions

One minute you’re taking a cruise down the Seine in Paris, the next you’re on your way to hospital dealing with that chronic condition you’d hoped wouldn’t join you on your holiday. The question is – will your travel insurance cover it?

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15% off^ travel insurance to nib Health members

Am I covered if I have an existing medical condition?

You may be eligible for pre-existing medical condition cover on Comprehensive and Multi-Trip plans. For Domestic plans pre-existing medical condition cover only applies to Cancellation and Additional Expenses.  Use the nib Direct Travel Insurance online medical assessment tool, which provides an instant outcome, to find out if you are eligible.

What is an existing medical condition?

We define a pre-existing medical condition to be a condition of which a reasonable person in the circumstances, should have been aware at the time of issue of the Certificate of Insurance, including:

  • any dental condition;

  • any physical condition;

  • pregnancy (see travel during pregnancy below);

  • any lifelong illness;

  • any chronic illness;

  • any mental illness;

  • any current or previously treated cancer; or 

any condition which, in the last two years:

  • was treated by surgery (including day surgery);

  • required regular medication;

  • required on-going treatment;

  • was referred to a specialist medical adviser;

  • had regular reviews or check-ups;

  • caused admission to hospital; or

  • was treated at a hospital emergency department or out-patient clinic. 

Pre-existing medical conditions can complicate medical treatment, lengthen your recovery time, and increase medical costs if you are injured or become sick while overseas. The likelihood of needing to cancel your holiday for health reasons is also a possibility.

This is a summary of the cover provided. Terms, conditions, exclusions, limits and applicable sub-limits apply; refer to the Product Disclosure Statement.

Check your policy

There are many terms, conditions, limitations and exclusions that relate to existing medical conditions. Read your policy carefully and contact us if you're still confused.

^The discount applies to current nib and GU Health members, current nib Thrive participants and other eligible nib member cohorts who are eligible to purchase and are issued a nib Direct Travel Insurance policy. The discount is not available to nib International Students and Worker members, customers of nib partner-branded products, free members, or former or inactive members or participants. The discount applies to new policy purchases and is based on standard premium rates, including optional covers. It applies automatically upon successful input of a valid membership number, participant number or promotional code, as applicable, and applies to any changes, upgrades or amendments made to the policy prior to commencement of the journey. The discount may apply to changes made after commencement of the journey. Contact Allianz Global Assistance to find out more. Not to be used in conjunction with any other offer.

nib Life Pty Ltd ABN 91 003 037 625 AR 321683 (nib) arranges this insurance as authorised representative for AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA). AGA issues and manages travel insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Terms, conditions, exclusions, limits and applicable sub-limits apply. nib, Allianz and AGA do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Any advice is general only. You should consider whether the advice is appropriate for you. Before making a decision please consider the Product Disclosure Statement. The Target Market Determination is available at www.allianzpartners.com.au/policies/. nib and AGA receive a commission which is a percentage of the premium you pay for a policy - ask us for further details prior to purchasing.